Make your PMEGP project report in 5 minutes — free, no login, free PDF — with an honest check before you go to the bank.
Not sure which business? See the PMEGP project list 2026.
हिंदी में पढ़ें: PMEGP प्रोजेक्ट रिपोर्ट हिंदी में बनाएं →
Free PMEGP Project Report Maker
Fill 5 minutes of details. Get a bank-style project report with subsidy, 5-year profit, DSCR, break-even and repayment — plus an honest check of whether your project works. No login. Free PDF. अपनी PMEGP प्रोजेक्ट रिपोर्ट खुद बनाएं — फ्री, बिना लॉगिन।
What a PMEGP project report must show
- Project cost — machinery, furniture/tools, work-shed and working capital. Land is not counted.
- Means of finance — your own contribution (10% general, 5% special category), the bank loan, and the PMEGP subsidy (15–35%).
- Projected profit for 5 years — sales, raw material, salaries, rent, depreciation, interest and tax.
- DSCR — whether the business earns enough to pay the EMI. Many banks look for an average of about 1.25 or more.
- Break-even — how much of full capacity you must sell before you stop making a loss.
- Repayment schedule — interest and principal year by year.
Why we show an honest check
Some online report makers adjust numbers so the DSCR always “passes”. Banks see hundreds of reports and quickly spot sales or margins that do not match the market. Our report uses only your numbers and flags problems in plain language: loss in year 2, working capital above the PMEGP limit, break-even too high, or not enough cash left after EMI and household expenses. Fix them first, then apply.
PMEGP rules used in this report
| Rule | Manufacturing | Service / business |
|---|---|---|
| Maximum project cost | ₹50 lakh | ₹20 lakh |
| Class 8 pass needed above | ₹10 lakh | ₹5 lakh |
| Working capital limit | 40% of project cost | 60% of project cost |
| Subsidy — general category | 15% urban / 25% rural | 15% urban / 25% rural |
| Subsidy — special category (SC/ST/OBC/minority/women/ex-servicemen/PwD/NER/hill/border/aspirational) | 25% urban / 35% rural | 25% urban / 35% rural |
| Own contribution | 10% general / 5% special | 10% general / 5% special |
| Subsidy lock-in | Kept as TDR for 3 years; no interest on it or on that part of the loan | Same |
| Collateral | Not required for loans up to ₹10 lakh | Same |
| Repayment | 3–7 years after moratorium | Same |
Common questions
Is the PMEGP project report really free? Yes. You can make the report and download the PDF free. There is no login and nothing you type is sent to us — the calculation runs on your phone.
Will the bank accept this report? It follows the usual bank format (project cost, means of finance, 5-year projections, DSCR, break-even and repayment). Banks can still ask for changes or their own format, so show it to your branch or a CA before submitting.
What DSCR do banks want for a PMEGP loan? There is no single PMEGP rule. Many banks look for an average DSCR of about 1.25 or more. A very high DSCR can also raise doubts if sales look unrealistic.
Can I include land in the PMEGP project cost? No. Land cost is not counted. A work-shed, building work or long-lease/rent (for up to 3 years) can be included as per the guidelines.
Is PMEGP still running in 2026? Yes. In June 2026 the Centre released ₹504 crore of margin money subsidy for 22,259 new PMEGP units. Apply only on the official PMEGP portal — it is free.
Where can I find a sample PMEGP project report PDF? KVIC publishes model project profiles on the PMEGP portal. A sample is generic; this tool makes a report with your own numbers, which is what the bank needs.
Sources: Revised PMEGP guidelines (KVIC); Ministry of MSME scheme booklet 2025–26; new tax regime slabs for FY 2025-26 and 2026-27. Rules last verified 29 Sep 2026.
Business-wise examples: Dairy farm · Poultry farm · Goat farming · Flour mill · Namkeen · Fabrication · Tailoring · Beauty parlour · Mudra / bank loan report
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